Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 60,508

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 4.7
  • 4.9
  • Count
  • 5
  • 496
  • 60,508

Updated: May 29, 2024

Pets can be full of surprises-so their insurance coverage shouldn’t be. That’s why Trupanion is dedicated to helping pets we love get the care they need. They’ve been around for more than 20 years, making them experts and setting standards for the industry. One perk of this, and what they pride themselves on, is the amount they pay out to pet owners for each claim. Paying out more on the dollar than any other pet insurance provider. To date they have paid out $2 Billion in claims and have insured nearly 1 million pets. Trupanion pets lead longer happier lives.1 Pets insured with Trupanion lived longer than pets without Trupanion because pet parents didn’t have to worry about the cost of the care their pet needed. Depending on the plan Trupanion covers up to 90% of eligible expenses, has unlimited payouts-always, and can pay your vet bill, within seconds, at time of checkout, so all you pay is your portion (anything not covered by Trupanion). They have transformed the way pet insurance handles claims by eliminating the reimbursement process. To put it simply, there is a reason why 98.7% of Trupanion members stay enrolled every month. 1 Based on a November 2020 internal study analyzing third party hospital claims data comparing pets insured with a Trupanion policy to pets without a Trupanion policy. * Terms and Conditions apply. Policy details vary by state, please review your states policy for full coverage details. Not all veterinarians accept direct payment. Ask your veterinarian about Trupanion Vet Direct Pay. Underwritten in Canada by Omega General Insurance Company and in the United States by American Pet Insurance Company and ZPIC Insurance Company, 6100-4th Ave S, Seattle, WA 98108. Administered in Canada by Canada Pet Health Insurance Services, Inc. dba trupanion and in the United States by Trupanion Managers USA, Inc. (CA license No. 0G22803, NPN 9588590). Please visit AmericanPetInsurance.com to review all available pet health insurance products. Source: Survey commissioned by dvm360, from April 19-June 9, 2022
5

out of 5

POSTED: | BY: Grant Collins

Great customer service from Trupanion

A trip to our usual vets, an injection, medication and a referral to a specialist meant that the cost of veterinary care really mounted up for our 8 month old puppy recently. Thankfully we took Insurance out with Trupanion when we first adopted Poppy and Trupanion very quickly informed us that the insurance covered part of the treatment, which was very welcomed. The claims team at Trupanion dealt with our claims efficiently and kept us informed of every step of the process. Also any time I call Trupanion & fins the staff member I speak with very polite and helpful. I would recommend these insurers to other pet owners.
5

out of 5

POSTED: | BY: Sarah

Claim for New Puppy

I recieved a free trial from my vet on June 24. I registered my approx 10 week old puppy right away.I am so glad I did. On Canada day (so of course my vet is closed) I had to take her to the emergency vet because she had been up ever hour, on the hour with vomiting and diarrhea. I took her in to the vet and they had to test for parvo (luckily negative), had to xray (to see if she ate something), and had to do tests to check for infections (required full 24 hours in the animal hospital). Prior to consenting to all the procedures we called Trupanion to confirm they had my registration on file. The woman I spoke to was very empathetic and faxed a claim form directly to the vet (even though I didn't have my policy number with me). After my puppy was released with her antibiotics I started on the claim. The online chat featured on the website made it quick and easy to understand what was required of me. The claim covered 90% of all eligible costs (so everything except taxes and the exam fee in this case). Trupanion was great about sending me email updates on the status of my claim. I am thoroughly impressed and recommend this insurance for anyone signing up a healthy puppy with no pre-existing conditions. I can't speak to rescue dogs/older animals but I will definitely be signing up any other new puppies I bring into my home. It is a fantastic feeling knowing that you can put money issues to the back of your mind and just focus on getting your puppy healthy. As with all insurance,
5

out of 5

POSTED: | BY: Ann Piasecki

Fast / Excellant care

We submitted our claim and within a couple days Trupanion had reviewed and processed our claim. Within a couple of days we had a payment on the way. We are very pleased with the care and customer service that Trupanion provides.
5

out of 5

POSTED: | BY: Jeanette

This veterinary professional loves Trupanion

I am a customer of Trupanion and unfortunately had to submit claims to them for my cat's bladder cancer treatment. They were great! I also interact with Trupanion as a veterinary professional, they are one of the best companies around! Our clients love them, we love them and you will, too.
5

out of 5

POSTED: | BY: Mac Kerman

A life saver!

Our cat is not the sharpest knife in the drawer so to speak... He ate a poisonous plant and the vet bills cost us about $3,000. After that incident we decided to get pet insurance. We spent a while decided which service to go with and settled on Trupanion. Only about a month after we signed up our cat got into trouble again after swallowing a cat toy. The bill was $6,000 this time! Even though we had only been signed up with Trupanion for a month and had paid a single down payment of about $20, they covered 90% of the total bill! There were a few items on the list that were not covered, like standard check ups, but all in all we only ended up paying about $800 instead of $6,000. I can honestly say that Trupanion saved my cats life... paying 6k to save our cat was just not an option for us. The only negative that I can speak of is that I did indeed have to pay the six thousand dollars upfront and then had to wait an agonizing week before Trupanion confirmed that they would cover us. It took about a month and a half until the insurance check came and was also pretty stressful floating $6,000 in debt while waiting. These are small complaints though, my cat is alive and my savings account is for the most part intact. I would highly recommend them.
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Monthly Cost

Your monthly premium is determined by multiple factors including your pet’s species, gender, breed, age, zip code, and the deductible amount you choose if your policy allows.

Coverage

Depending on your plan, the Trupanion policy pays up to 100% of your vet bill for all eligible expenses. There are unlimited payout limits, always and Trupanion will never increase or cancel your coverage because of claims you submit. Coverage includes new accidents and illnesses, hereditary, congenital, and chronic conditions, diagnostic tests, hospital stays, and much more. Trupanion prides itself on paying out more on the dollar than any other provider and has paid out nearly $2 billion in claims to date.

Payout Limits

The Trupanion policy* has no payout limits, so whether your pet needs one quick visit or a lifetime of care, your coverage won’t quit. That can mean a big difference if your pet develops a chronic condition requiring extended care like allergies, diabetes, or even cancer.

Deductible

If your Trupanion policy has a deductible, you can customize it to fit your budget. You can choose from $50 to $1,000 in increments of $5, or choose to have no deductible at all. Trupanion deductibles are per-condition and good for the life of your pet. That means no annual resets-once a deductible is met, you never have to pay the deductible for that condition again.

Age Limits

All new pets can enroll from birth until their 14th birthday. Once your pet is enrolled, they can be enrolled for life

Waiting Period

Waiting periods vary by state. Please see your states policy for full coverage details. However, other providers may have additional waiting periods for congenital conditions like hip dysplasia, Trupanion does not.

Exclusions

Trupanion was developed to protect you and your pet from unexpected illnesses and injuries. That means we don’t cover “predictable” care costs that you can plan ahead for, like: Examination fees Wellness and preventive care Elective, or cosmetic procedures Sales tax, where applicable Like many other pet insurance providers, Trupanion does not cover pre-existing conditions. Whichever insurer you choose, it pays to enroll early! * Terms and Conditions apply. Coverage may vary by state. Not all veterinarians accept direct payment. Ask your veterinarian about Trupanion Vet Direct Pay. Underwritten in Canada by Omega General Insurance Company and GPIC Insurance Company and in the United States by American Pet Insurance Company and ZPIC Insurance Company, 6100-4th Ave S, Seattle, WA 98108. Please visit AmericanPetInsurance.com to review all available pet health insurance products.
Trupanion Pet Insurance detail
Trupanion was founded in 2000 with the goal to help pet owners plan for the unexpected and take the cost out of the care equation. They believe that the pets—and the veterinary professionals who help them—deserve better. That’s why Trupanion is a proud member of the North American Pet Health Insurance Association. We’re committed to sharing industry data, supporting animal welfare organizations, and working with federal and state regulators to help more pets get better care. Our members know we’re ahead of the pack, because there’s pet insurance—then there’s Trupanion: 24/7/365 Member Support—yes, even on holidays 20+ years of experience Nearly $2 Billion paid in claims Over 800,000 pets protected Unlimited Payouts The only provider that can pay your veterinarian directly at checkout* Accepted everywhere in the USA, Canada, Puerto Rico, and Australia * At participating hospitals
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